AMP vs. CRCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AMP and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AMP’s market capitalization of 51.73 billion USD is substantially larger than CRCL’s 34.37 billion USD, indicating a significant difference in their market valuations.
| Symbol | AMP | CRCL |
|---|---|---|
| Company Name | Ameriprise Financial, Inc. | Circle Internet Group |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Asset Management | Financial - Capital Markets |
| CEO | James M. Cracchiolo CPA | Jeremy D. Allaire |
| Price | 543.3 USD | 188.77 USD |
| Market Cap | 51.73 billion USD | 34.37 billion USD |
| Beta | 1.23 | -- |
| Exchange | NYSE | NYSE |
| IPO Date | September 15, 2005 | June 4, 2025 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AMP and CRCL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AMP
56.06%
Asset Management Industry
- Max
- 34.25%
- Q3
- 18.22%
- Median
- 11.24%
- Q1
- 5.81%
- Min
- -5.72%
AMP’s Return on Equity of 56.06% is exceptionally high, placing it well beyond the typical range for the Asset Management industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
CRCL
15.23%
Financial - Capital Markets Industry
- Max
- 42.02%
- Q3
- 20.69%
- Median
- 13.73%
- Q1
- 3.33%
- Min
- -21.32%
CRCL’s Return on Equity of 15.23% is on par with the norm for the Financial - Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AMP
38.36%
Asset Management Industry
- Max
- 42.18%
- Q3
- 20.06%
- Median
- 8.68%
- Q1
- 3.13%
- Min
- -16.42%
In the upper quartile for the Asset Management industry, AMP’s Return on Invested Capital of 38.36% signifies a highly effective use of its capital to generate profits when compared to its peers.
CRCL
5.13%
Financial - Capital Markets Industry
- Max
- 30.24%
- Q3
- 13.34%
- Median
- 6.20%
- Q1
- -1.71%
- Min
- -16.91%
Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Capital Markets industry.
Net Profit Margin
AMP
17.14%
Asset Management Industry
- Max
- 91.66%
- Q3
- 57.81%
- Median
- 29.48%
- Q1
- 15.70%
- Min
- -27.65%
AMP’s Net Profit Margin of 17.14% is aligned with the median group of its peers in the Asset Management industry. This indicates its ability to convert revenue into profit is typical for the sector.
CRCL
12.02%
Financial - Capital Markets Industry
- Max
- 28.67%
- Q3
- 13.52%
- Median
- 10.47%
- Q1
- 0.24%
- Min
- -9.55%
CRCL’s Net Profit Margin of 12.02% is aligned with the median group of its peers in the Financial - Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin
AMP
21.38%
Asset Management Industry
- Max
- 99.76%
- Q3
- 78.28%
- Median
- 34.76%
- Q1
- 21.75%
- Min
- -48.25%
AMP’s Operating Profit Margin of 21.38% is in the lower quartile for the Asset Management industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
CRCL
15.39%
Financial - Capital Markets Industry
- Max
- 56.86%
- Q3
- 25.29%
- Median
- 15.90%
- Q1
- 0.51%
- Min
- -19.18%
CRCL’s Operating Profit Margin of 15.39% is around the midpoint for the Financial - Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AMP | CRCL |
|---|---|---|
| Return on Equity (TTM) | 56.06% | 15.23% |
| Return on Assets (TTM) | 1.67% | 0.18% |
| Return on Invested Capital (TTM) | 38.36% | 5.13% |
| Net Profit Margin (TTM) | 17.14% | 12.02% |
| Operating Profit Margin (TTM) | 21.38% | 15.39% |
| Gross Profit Margin (TTM) | 100.00% | 26.76% |
Financial Strength
Current Ratio
AMP
38.84
Asset Management Industry
- Max
- 12.44
- Q3
- 5.76
- Median
- 3.04
- Q1
- 1.03
- Min
- 0.01
AMP’s Current Ratio of 38.84 is exceptionally high, placing it well outside the typical range for the Asset Management industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.
CRCL
1.02
Financial - Capital Markets Industry
- Max
- 4.60
- Q3
- 3.24
- Median
- 1.32
- Q1
- 0.96
- Min
- 0.05
For the Financial - Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
AMP
0.70
Asset Management Industry
- Max
- 2.62
- Q3
- 1.42
- Median
- 0.76
- Q1
- 0.34
- Min
- 0.01
AMP’s Debt-to-Equity Ratio of 0.70 is typical for the Asset Management industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
CRCL
0.05
Financial - Capital Markets Industry
- Max
- 3.63
- Q3
- 1.68
- Median
- 0.37
- Q1
- 0.09
- Min
- 0.00
Falling into the lower quartile for the Financial - Capital Markets industry, CRCL’s Debt-to-Equity Ratio of 0.05 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio
AMP
11.42
Asset Management Industry
- Max
- 13.30
- Q3
- 6.30
- Median
- 2.71
- Q1
- 1.00
- Min
- -6.91
AMP’s Interest Coverage Ratio of 11.42 is in the upper quartile for the Asset Management industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.
CRCL
174.59
Financial - Capital Markets Industry
- Max
- 12.71
- Q3
- 7.94
- Median
- 1.92
- Q1
- 0.24
- Min
- -7.71
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Capital Markets industry.
Financial Strength at a Glance
| Symbol | AMP | CRCL |
|---|---|---|
| Current Ratio (TTM) | 38.84 | 1.02 |
| Quick Ratio (TTM) | 38.84 | 1.02 |
| Debt-to-Equity Ratio (TTM) | 0.70 | 0.05 |
| Debt-to-Asset Ratio (TTM) | 0.02 | 0.00 |
| Net Debt-to-EBITDA Ratio (TTM) | 1.03 | -4.29 |
| Interest Coverage Ratio (TTM) | 11.42 | 174.59 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AMP and CRCL. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AMP
1.11%
Asset Management Industry
- Max
- 26.09%
- Q3
- 11.60%
- Median
- 6.37%
- Q1
- 2.75%
- Min
- 0.00%
AMP’s Dividend Yield of 1.11% is in the lower quartile for the Asset Management industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
CRCL
0.00%
Financial - Capital Markets Industry
- Max
- 5.86%
- Q3
- 1.74%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio
AMP
19.37%
Asset Management Industry
- Max
- 1,034.88%
- Q3
- 127.70%
- Median
- 75.15%
- Q1
- 34.21%
- Min
- 0.00%
AMP’s Dividend Payout Ratio of 19.37% is in the lower quartile for the Asset Management industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
CRCL
0.00%
Financial - Capital Markets Industry
- Max
- 128.06%
- Q3
- 43.11%
- Median
- 12.56%
- Q1
- 0.00%
- Min
- 0.00%
CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | AMP | CRCL |
|---|---|---|
| Dividend Yield (TTM) | 1.11% | 0.00% |
| Dividend Payout Ratio (TTM) | 19.37% | 0.00% |
Valuation
Price-to-Earnings Ratio
AMP
17.87
Asset Management Industry
- Max
- 38.72
- Q3
- 23.40
- Median
- 11.45
- Q1
- 8.80
- Min
- 1.54
AMP’s P/E Ratio of 17.87 is within the middle range for the Asset Management industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
CRCL
370.35
Financial - Capital Markets Industry
- Max
- 42.65
- Q3
- 29.09
- Median
- 20.52
- Q1
- 14.58
- Min
- 8.28
At 370.35, CRCL’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial - Capital Markets industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Forward P/E to Growth Ratio
AMP
1.32
Asset Management Industry
- Max
- 6.38
- Q3
- 3.23
- Median
- 1.55
- Q1
- 0.89
- Min
- 0.02
AMP’s Forward PEG Ratio of 1.32 is within the middle range of its peers in the Asset Management industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
CRCL
3.70
Financial - Capital Markets Industry
- Max
- 4.05
- Q3
- 2.46
- Median
- 1.52
- Q1
- 0.78
- Min
- 0.02
A Forward PEG Ratio of 3.70 places CRCL in the upper quartile for the Financial - Capital Markets industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
Price-to-Sales Ratio
AMP
2.96
Asset Management Industry
- Max
- 13.75
- Q3
- 7.92
- Median
- 4.87
- Q1
- 3.51
- Min
- 0.02
In the lower quartile for the Asset Management industry, AMP’s P/S Ratio of 2.96 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
CRCL
36.42
Financial - Capital Markets Industry
- Max
- 14.34
- Q3
- 7.63
- Median
- 2.98
- Q1
- 1.50
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial - Capital Markets industry.
Price-to-Book Ratio
AMP
9.86
Asset Management Industry
- Max
- 5.33
- Q3
- 2.75
- Median
- 1.06
- Q1
- 0.87
- Min
- 0.00
The P/B Ratio is often not a primary valuation metric for the Asset Management industry.
CRCL
56.39
Financial - Capital Markets Industry
- Max
- 9.60
- Q3
- 6.00
- Median
- 2.91
- Q1
- 1.84
- Min
- 0.53
At 56.39, CRCL’s P/B Ratio is at an extreme premium to the Financial - Capital Markets industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AMP | CRCL |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 17.87 | 370.35 |
| Forward PEG Ratio (TTM) | 1.32 | 3.70 |
| Price-to-Sales Ratio (P/S, TTM) | 2.96 | 36.42 |
| Price-to-Book Ratio (P/B, TTM) | 9.86 | 56.39 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.75 | 303.64 |
| EV-to-EBITDA (TTM) | 15.12 | 177.56 |
| EV-to-Sales (TTM) | 3.18 | 35.57 |